How to File a Home Insurance Claim for Roof Damage: A Step-by-Step Guide for Texas and Oklahoma Homeowners
If your roof has been damaged by a storm or natural disaster, filing a home insurance claim is a crucial step to getting the repairs you need. Here’s a guide on how to file a roof damage claim, along with contact information for the top home insurance companies in Texas and Oklahoma.
Steps to File a Home Insurance Claim for Roof Damage
- Assess the Damage: Before contacting your insurance company, take some time to assess the damage. Document the roof damage with clear photos, making sure to capture any leaks, missing shingles, or significant damage. Avoid climbing onto the roof yourself, as it can be dangerous. Instead, try to take pictures from the ground. A local Franco Roofing representative can assess your roof and provide an inspection report to help you determine how urgent a roof replacement or repair is.
- Contact Your Insurance Provider: Call your insurance company’s claims department. Most providers have 24/7 claims support for storm-related damage. Be ready to provide your policy number, a description of the damage, and your contact information.
- File the Claim: Follow the steps provided by your insurer. This typically involves submitting a formal claim, either online or via phone, and providing the required documentation (photos, written descriptions, etc.).
- Schedule a Roof Inspection: Many insurers will send a claims adjuster to inspect your roof. This professional will assess the damage and provide an estimate for repairs. It is important to have your roofing contractor present the day of the adjuster’s roofing inspection. As a homeowner and to maximize the value of your home insurance policy, a roofing contractor can bring additional damages like gutters, siding, outside grills, and window screens to the attention of the adjuster. Adjusters may not outwardly share all points of damage with the homeowner in an effort to save the insurance company money. However, your roofing contractor representative can serve as checks and balances in this circumstance.
- Review the Claim Decision: After the inspection, your insurer will review your claim and make a determination on how much they will cover. If the claim is approved, they will either pay you directly or send funds to the contractor doing the repairs.
- Complete the Repairs or Replacement: Once your claim is approved, you can hire a roofing contractor to fix the damage. Make sure to choose a licensed, reputable contractor. If your insurer pays you directly, you may be required to provide proof of the completed repairs.